<HTML>In a message dated 4/25/01 6:51:08 AM Central Daylight Time, mfarrel2@tampabay.rr.com writes: <BLOCKQUOTE TYPE=CITE style="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px">It seems to me that a written report would be required to minimize such situations from arising. I hate written reports. I would have to up my inspection fee. How do you'all address this potential danger? Terry Farrell Piano Tuning & Service </BLOCKQUOTE> Terry On the bottom of my appraisal form I have the following written. I got this from Bob Russell Jr. "I estimate the value as listed for insurance or other purposes at the current replacement value, excluding Federal and other taxes.  In making this appraisal, the Appraiser assumes no liability with respect to any action that may be taken on the basis of this appraisal." It doesn't take you totally off the hook, in that you still have to do a good job of appraising and evaluating the piano. But it does give you some protection. I hope this helps. Willem </HTML>